World Travel Holdings, Inc. 401(k) Review & Grade
World Travel Holdings, Inc. 401(k) Savings Plan
Wakefield, MAAccommodation & Food Services1,114 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,328Employer $ per active participant
$4,365Employee $ saved per active participant
0.09%Direct admin cost, % of plan assets
$77.4MNet plan assets, end of year
$60,320Average balance per account
Score breakdown
- Employer generosity45.0 / 5090th percentile for employer $ per participant
- Low cost18.9 / 2576th percentile for low admin cost vs. same-size plans
- Employee saving14.3 / 1595th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-13 pts2 issues reported on the filing
Total score75 / 100 · Grade A
This plan vs. peers
Peers: Accommodation & Food Services plans with 500–2,499 active participants (458 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 90th |
| Lower admin cost | 76th |
| Employee saving | 95th |
| Peers that auto-enroll | 17% |
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Red flags from the filing
Benefits not paid when due: the plan reported failing to pay some benefits on time.
Corrective distributions: the plan refunded $36,307 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- World Travel Holdings put in about $1,328 per active participant, more than the typical peer ($266). Contribute at least enough to collect the full match. Skipping it leaves part of your pay on the table.
- The filing shows total dollars, not the match formula. Ask HR for the Summary Plan Description so you know the exact match and vesting schedule.
- Fund expense ratios aren't in the filing. Look them up in your 404(a)(5) fee disclosure and favor low-cost index or target-date funds.
- The plan auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- Changing jobs? You can usually leave the money in the plan, move it to your new employer's plan, or roll it into an IRA. Don't cash out: you'd owe taxes and possibly a 10% penalty.
The raw numbers from the filing
| Employer contributions | $1,480,368 |
| Participant (employee) contributions | $4,865,005 |
| Other contributions (incl. rollovers in) | $193,410 |
| Administrative expenses paid from the plan | $67,922 |
| Other admin expenses | $30,000 |
| Benefits paid out | $5,784,109 |
| Net assets, start / end of year | $68.2M / $77.4M |
| Active participants, start / end of year | 1,043 / 1,186 |
| Participants with account balances | 1,283 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Caron & Bletzer |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $37,922 reported compensation |
| Stone Hill Fiduciary Management LL | $30,000 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250801083110NAL0009844384001, received 2025-08-01, EIN 04-3259479, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.